With postal savings bonds it is possible to invest even small sums and there are no issuing, management and reimbursement costs, except for tax charges
Poste Italiane announces that the new postal interest-bearing bonds are available, issued by the Cassa Depositi e Prestiti, guaranteed by the State, and placed exclusively by Poste Italiane.
Postal savings bonds
With postal interest-bearing bonds it is possible to invest even small sums and there are no issuing, management and reimbursement costs, except for tax charges. The withholding tax is 12.50%. They can be represented by a paper document or by accounting records, in the case of dematerialized vouchers.
The typologies
Different types of postal savings bonds are available.
– Good Solution Legacy: can be subscribed exclusively by natural persons who are beneficiaries of a concluded inheritance proceeding which also concerns financial relationships with Poste Italiane. They have a duration of 4 years and recognize interest only upon maturity.
– Sustainable Savings Voucher: can be registered exclusively in favor of natural persons, no more than four in number, including minors (the latter exclusively as sole holders). The postal savings bond has a duration of 7 years and recognizes a fixed return, paid at the time of reimbursement, plus a possible premium, only at the expiry of 7 years, linked to the performance, if positive, of the STOXX Europe 600 ESG stock index -X during the period of possession of the Voucher.
– Ordinary Good: has a maximum duration of twenty years and recognizes a fixed and increasing return over time, paid at the time of reimbursement. Available in both paper and dematerialized versions.
– Voucher dedicated to minors: has a maximum duration that varies depending on the age of the holder at the date of subscription, depending on the date on which the minor turns 18.
– Good 3×4: provides for a fixed return increasing over time with interest accrued during each three-year period recognized at the end of the third, sixth, ninth and twelfth year from the subscription date, paid at the time of reimbursement of the voucher and in any case not before the completion of the first three-year period. They have a maximum duration of twelve years and are available in both paper and dematerialized versions.
– 3×2 voucher: provides for a fixed return increasing over time with interest accrued during each three-year period recognized at the end of the third and sixth year from the subscription date, paid at the time of reimbursement of the voucher and in any case not before the completion of the first three-year period. They have a maximum duration of six years and are available in both paper and dematerialized versions.
– Good for 4 years Plus: provides a predetermined fixed return, has a duration of 4 years and is recognized only upon maturity; available in both paper and dematerialized versions.
– 4 year simple savings voucher: can only be subscribed to by natural persons of legal age as part of the Risparmio Semplice Savings Plan. The 4-year savings certificates have a duration of four years and provide a standard return at maturity on the bonds that expire before reaching the minimum number of 24 periodic subscriptions within the savings plan. expiration on all vouchers starting from the day following the achievement of the minimum number of 24 periodic subscriptions within the Savings Plan. They are available only in the dematerialized version.
– Coupon Renew: Subscription to the Renew Voucher is permitted to anyone who, in the capacity of holder or co-holder, has reimbursed one or more postal, paper and/or dematerialized, expired interest-bearing vouchers starting from 1 August 2023 (with the exception of vouchers dedicated to minors and Good 4 years saving simple). It provides for a fixed return that increases over time with interest accrued during each three-year period recognized at the end of the third and sixth year from the subscription date, paid at the time of reimbursement of the voucher and in any case not before the completion of the first three-year period. They have a maximum duration of six years and are available in both paper and dematerialized versions.
Source-tg24.sky.it